* The insurance product or annuity offered is not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the U.S. or the bank or any affiliate.

* The insurance product or annuity offered is not a deposit or obligation of the bank or any affiliate.

* The insurance product or annuity offered is not endorsed, recommended, or guaranteed by the bank or any affiliate.

* The value of the insurance product or annuity, if it involves investment risk, may fluctuate; the return on investment is not guaranteed, and loss of principal and value is possible.

* The extension of credit may not be conditioned on a purchase of an insurance product or annuity from the bank or any affiliate and you the consumer are free to obtain an insurance product or annuity from any other party.

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